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枫下家园 / 望子成龙 / 转眼就到年底,还没给宝宝买RESP,请问大家有什么建议?这两天老有一个Canadian schoolarship trust的打电话,实在是一点都不了解
-babyblue(babyblue);
2005-12-2
(#2639858@0)
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CST属于GROUP PLAN.我个人不喜欢.我们是自己从银行买的.
-hhorse(hhorse);
2005-12-3
(#2641671@0)
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I want to buy from Bank too, but what should I buy? GIC? from which bank?
Thanks for your advice.
-minliluo(water-moon);
2005-12-5
(#2644748@0)
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我们是在CIBC买的基金,我老公说不如TD的好.但已经买了,就放那里懒得动了.
-hhorse(hhorse);
2005-12-5
(#2645065@0)
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I have asked TD about it. But TD only has Mutual Funds. No other option. IBut TD only has Mutual Funds. No other option. I think there are risk if I buy mutual funds. I want to buy bonds, but I don't know if I should go to bank or agent? Thanks a lot for your advice.
-minliluo(water-moon);
2005-12-5
{195}
(#2645107@0)
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我对我所接触过的卖RESP的人印象都不好,所以不买GROUP的.个人观点而已.你自己多看看多问问吧.......不知道你说TD没有BONDS是怎么回事.TD什么都有呀.我们这里当地人买RESP的不多,有些事银行的人也不知道.你最好多找几个银行卖基金债券的人问一问
-hhorse(hhorse);
2005-12-5
{88}
(#2645148@0)
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别理他们,他们是来要你钱的。。。
-111111(快乐老家);
2005-12-3
(#2641703@0)
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你可以问问有子女上大学的朋友,买RESP到底有多大益处?还是无益?
-james0007(新兵);
2005-12-5
(#2644887@0)
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结论:不买为好。我此话可能伤及以此牟利的人了。
-james0007(新兵);
2005-12-5
(#2644888@0)
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能具体说说为什么不好吗,买了有什么影响?
-livinghere(livinghere);
2005-12-5
(#2644913@0)
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一两句话说不清楚。你可以问问有子女上大学的朋友,买RESP到底有多大益处?还是无益? 重点问:1.投资盈亏?2.支出的管理、交易费用?3.大学贷款有否限制?4.能否享受助学金?
-james0007(新兵);
2005-12-5
(#2645040@0)
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我有点听不懂了。不买RESP,政府的20%就那不到了。就是为了能更多地得到学生贷款吗?
-23456789(大白呼);
2005-12-5
(#2645336@0)
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切磋:20%是否年年给,无条件吗?学生贷款是无息的,助学金是不用偿还的。搞的好的话,每年能得2000~3000元助学金。
-james0007(新兵);
2005-12-5
(#2645374@0)
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你的分析很有道理。所以不要盲目地跟风。。。
-111111(快乐老家);
2005-12-5
(#2645387@0)
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搞得不好,才有2000~3000元助学金。
-caffein(纸上谈兵);
2005-12-7
(#2649020@0)
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贷款和助学金对家庭经济情况有要求吗?什么样的学生能申请到?
-haohaohao(haohaohao);
2005-12-6
(#2648404@0)
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有要求。太具体的我也不知道。
-james0007(新兵);
2005-12-7
(#2649002@0)